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Make sure your debtor name matches EXACTLY what's on the charter or articles of incorporation. Even a missing comma can cause rejection. Also double-check that you're using the correct legal entity name, not just the DBA.
This is so important! I had a UCC-1 rejected because I used 'ABC Company Inc.' instead of 'ABC Company, Inc.' - the comma made all the difference.
The debtor name requirements are almost as strict as the collateral descriptions now. Everything has to match perfectly.
Amina Diallo
Update: I revised the collateral description to 'all machinery, equipment, and fixtures used in debtor's manufacturing operations located at [business address]' and it was accepted! Thanks everyone for the help. Also tried that Certana.ai tool someone mentioned and it's actually pretty useful for catching issues before filing.
Awesome that you got it sorted before your loan closing. Nothing worse than delayed funding because of a UCC issue.
Good to hear about Certana.ai working well. Might give it a try on my next filing.
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Liam Cortez
Just went through this exact scenario 3 weeks ago. Turned out our borrower had a name change amendment filed 6 months prior that wasn't showing up in the standard corporate search but was affecting UCC processing. Had to dig deeper into the entity history.
How did you find the amendment? I've looked through everything I can find on their website.
Liam Cortez
•Had to request certified copies of all filings for the entity. Cost about $50 but showed the complete history including amendments that weren't visible online.
Savannah Vin
This thread is giving me anxiety about a filing I have due next week. Think I'm going to use one of those document checking services just to be safe.
Mason Stone
•Better safe than sorry, especially if you're dealing with Pennsylvania. Their system seems to have more glitches than most states.
Justin Chang
•Definitely recommend the Certana verification for peace of mind. Upload your docs and you'll know within minutes if there are any name consistency issues.
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This thread is making me paranoid about my own upcoming continuation in March. I better double-check my debtor name formatting now before I wait until the last minute.
Smart move! Always better to catch these issues early when you have time to fix them.
Exactly. Reading about everyone's struggles with name mismatches is a good wake-up call.
Update us when you get this resolved! I'm curious whether the amendment route works or if NH gives you any other surprises.
Will do! I'm going to try calling their UCC division first thing Monday morning, then proceed with the amendment if needed.
Good luck! Hopefully they can walk you through it quickly.
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One thing that helped me was using Certana.ai to cross-check my search results against the company's financial statements. It caught a discrepancy where a loan showed up on the balance sheet but there was no corresponding UCC filing, which led us to discover an unrecorded security agreement that could have been a problem.
Just look for major loans or lines of credit on the balance sheet and make sure you can match them to UCC filings. Sometimes there are secured loans that weren't properly filed.
Ryan Kim
•Smart approach. I've seen deals where the seller 'forgot' to mention certain security agreements that weren't filed.
Zoe Walker
Don't panic but be thorough. I missed a fixture filing once because I only searched UCC records and not real estate records. Cost the client $50k in unexpected lien payoffs. Learn from my mistake and search everywhere.
Zoe Walker
•Better to be safe than sorry. The few hundred dollars for comprehensive searches is nothing compared to missing a major lien.
Elijah Brown
•This is why I always budget extra time and money for due diligence. You never know what you'll find.
Kayla Morgan
The debtor's loan payoff claims don't mean much without UCC-3 terminations on file. I've had borrowers show me bank statements 'proving' they paid off loans, but if there's no termination filed, that lien is still perfected against your collateral. Always verify through the public record, not debtor representations.
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James Maki
•This! Learned this lesson the hard way when a 'paid off' lien turned out to still be active and we ended up in second position.
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Kayla Morgan
•Exactly. The UCC filing is public notice of the lien. Until it's properly terminated, it's still valid regardless of what the debtor claims.
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Jasmine Hancock
Update: Contacted all four secured parties. Two confirmed loans were paid off but never filed terminations (they're filing UCC-3s this week). One lapsed in 2024 with no continuation. Last one is still active with a 2023 continuation. Thanks for all the advice - this thread saved me from making some big mistakes on lien priority.
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Ella Cofer
•Good outcome. Always better to do the legwork upfront than deal with priority disputes later.
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Cole Roush
•Wait, so you're saying some of those liens were actually dead but still showing as active in the search? That's terrifying.
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